Facilities

PRONAF – MAIS ALIMENTOS [MORE FOOD]

Rural credit to increase production and productivity in family agriculture

WHAT IS IT?

It is a credit line that finances investments in productive infrastructure of family property to promote the increase of production and productivity and the reduction of production costs, aiming at raising the income of the rural producing family.

WHO CAN?

Pronaf Mais Alimentos can be hired by a family farmer with a Pronaf Aptitude Statement (DAP).

WHAT CAN BE FINANCED?

Facilities, labor, machinery and equipment.

FORMS OF CREDIT CONCESSION

INDIVIDUAL: formalized with a producer, for individual purposes;

COLLECTIVE: formalized with group of producers, for collective purposes. Aimed exclusively for the financing of construction, renovation or expansion of improvements and permanent installations; Machinery; Equipment, including irrigation; And agricultural implements and storage structures, in common use.

INTEREST RATE

2.5% per year for the following projects and purposes:

The adoption of conservation practices for the use, management and protection of natural resources, including the correction of soil acidity and fertility and the acquisition, transportation and application of inputs for these purposes;
Training and recovery of pastures, pasture and other forage species, production and conservation of fodder, silage and hay intended for animal feed;
Implantation, expansion and reform of water capture, storage and distribution infrastructure, including acquisition and installation of water reservoirs, electrical infrastructure and irrigation equipment;
Acquisition and installation of protected crop structures, including automation equipment for these crops;
Construction of silos, expansion and construction of warehouses for storing grains, fruits, tubers, bulbs, vegetables and fibers; and
Acquisition of milk cooling tanks and milking machines.
5.5% per year for other undertakings and purposes.

In case the client contracts a new operation under Pronaf Mais Alimentos, which added to the value contracted in the same agricultural year exceeds R $ 30 thousand, the new financing will be contracted with the interest rate of 5.5% pa.

FINANCING LIMIT (By Agricultural Year)

Individual limit

R $ 330 thousand for the activities of swine farming, poultry farming, aquaculture, shrimp farming (crustacean farming) and fruit growing; and
R $ 165 thousand for other purposes.
Collective limit

R $ 800 thousand, respecting the individual limits described above.

DEADLINE

For purchase of pick-up trucks, up to 5 years, without shortage.

For other financeable items, up to 10 years, included up to 3 years grace period.

To finance storage facilities, the deadline can reach 15 (fifteen) years, with a grace period of 3 years.

For more information see http://portal.mda.gov.br/portal/saf/maisalimentos/

PCA – Program for Construction and Expansion of Warehouses

WHAT IS?

Financing to rural producers and cooperatives for construction, expansion, modernization or reform of warehouses.

WHO CAN?

Rural producers (natural persons);
Rural producers (legal entities); and
Cooperatives of rural producers.

WHAT CAN BE FINANCED?

Individual or collective investments, linked to the program objective, exclusively related to projects for expansion, modernization, remodeling and construction of warehouses for the storage of grains, fruits, tubers, bulbs, vegetables, fiber and sugar.

INTEREST RATES

6.5% per year (a.a.)

LIMITATION OF FUNDING

There is not.

DEADLINE

Up to 15 years, with a grace period of up to 3 years.

If the amortization period is monthly, the grace period will be at least three months.

For more information see: http://www.bndes.gov.br/wps/portal/site/home/financiamento/produto/pca

INOVAGRO – Incentive Program for Technological Innovation in Agricultural Production

WHAT IS?

Financing for the incorporation of technological innovations in rural properties, aiming at increasing productivity and improving management.

WHO CAN?

Rural producers (natural persons);
Rural producers (legal entities); and
Cooperatives of rural producers.

WHAT CAN BE FINANCED?

Automation and adaptation of facilities in the poultry, swine and dairy sectors, including the integrated or isolated acquisition of machines and equipment for this purpose.
Items that are in compliance with the Integrated Agricultural Production Systems PI-Brazil and Animal Welfare, and the Safe Food Programs of the various production chains, and Good Agricultural Practices of the Cattle and Milk Cattle Industry;

INTEREST RATES

6.5% per year (a.a.).

LIMITATION OF FUNDING

Individual enterprise: R $ 1.1 million per client;
Collective enterprise: R $ 3.3 million, respecting the individual limit per participant.
The limit for individual development can reach R $ 2 million, provided that the additional resources are destined exclusively for crops protected from the segment of the olericultura, fruit growing, floriculture, coffee cultivation and seedling production of forest species.

It is allowed to grant more than one financing to the same client, per crop year, respecting the program limit, when the assisted activity requires and the client’s payment capacity is proven.

DEADLINE

Up to 10 years, with a grace period of up to 3 years.

For the cost associated with the investment project and acquisition of matrices and breeders, the term will be up to 5 years, and the payment of the 1st installment will occur within 12 months after hiring.

For more information see: http://www.bndes.gov.br/wps/portal/site/home/financiamento/produto/inovagro

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